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<tr><td><b>Comment Number: </b></td><td>534730-00002</td></tr>

<tr><td><b>Received: </b></td><td>6/16/2008 10:30:00 AM</td></tr>

<tr><td><b>Organization: </b></td><td></td></tr>

<tr><td><b>Commenter: </b></td><td>James Moore</td></tr>

<tr><td><b>State: </b></td><td>KY</td></tr>

<tr><td><b>Agency: </b></td><td>Federal Trade Commission</td></tr>

<tr><td><b>Rule: </b></td><td>FACT Act Risk-Based Pricing Rule</td></tr>

<tr><td>No Attachments</tr></Table>

<hr><P><b>Comments:</b></p>In regards to regulating the fees credit card companies like Visa and MasterCard charge for there services, I am against this regulation. Since there is not a monopoly in this sector, each card company will charge fees to remain competitive. The fees they charge are not out of line. I am sure companies like Wal-mart dictate to the card companies too. So please leave these companies alone. The real monsters are the oil companies. Maybe they should be the ones that are regulated!<BR></body></html>